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	<title>Home Loan Wholesale &#187; Home Loan Market</title>
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	<description>Directory Listings of Top Lenders &#38; Loan Brokers Online</description>
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	<itunes:summary>Directory Listings of Top Lenders &amp; Loan Brokers Online</itunes:summary>
	<itunes:author>Home Loan Wholesale</itunes:author>
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		<title>Government Mortgage Help Programs</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2011/12/27/government-mortgage-help-programs/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2011/12/27/government-mortgage-help-programs/#comments</comments>
		<pubDate>Tue, 27 Dec 2011 23:43:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Government Loans]]></category>
		<category><![CDATA[Home Loan Market]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=292</guid>
		<description><![CDATA[Since the mortgage industry went sideways in 2006, the government lending programs have dominated the financing options for home loan origination across the country. Clearly the government mortgage financing has stimulated the increase in FHA mortgage, VA loans and refinancing help offered for borrowers that have mortgage liens owned by Fannie Mae or Freddie Mac. [...]]]></description>
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		<title>New Home Loans</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2011/05/05/new-home-loans/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2011/05/05/new-home-loans/#comments</comments>
		<pubDate>Thu, 05 May 2011 06:33:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Loan Market]]></category>
		<category><![CDATA[Home Purchase Loan Tips]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=240</guid>
		<description><![CDATA[The housing market continues to struggle with slumping home sales, but for home buyers this has turned into good news, because prices have come down and mortgage rates remain at record lows.  Qualifying for a new home loan has its challenges as banks expect more income, more money for down-payments and higher credit scores. New [...]]]></description>
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		<title>3 Tips for Getting the Right Home Loan Online</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2011/04/20/3-tips-for-getting-the-right-home-loan-online/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2011/04/20/3-tips-for-getting-the-right-home-loan-online/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 08:01:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Loan Market]]></category>
		<category><![CDATA[Published Articles]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=233</guid>
		<description><![CDATA[Shopping for a home loan online has suddenly become an important step in getting the best mortgage on the market. Were you aware that consumers spend almost twice as much time researching the purchase of a car than they do a home loan?  Yet in the U.S., the average house costs five times more than [...]]]></description>
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		<title>2011 Home Loan Program Trends</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2011/01/13/2011-home-loan-programs/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2011/01/13/2011-home-loan-programs/#comments</comments>
		<pubDate>Thu, 13 Jan 2011 19:07:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Loan Market]]></category>
		<category><![CDATA[Home Loan News]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=181</guid>
		<description><![CDATA[The last few years have been pretty stagnant for emerging home loan trends, but many mortgage professionals expect 2011 to present new opportunities for home purchase loans and refinancing.  Congress passed a financial reform law last year that will go into effect in March that is supposed to curb mortgage fraud and reduce the home [...]]]></description>
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		<title>Federal Reserve Cuts Lender Paid Yield Spread Premium</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2010/08/17/federal-reserve-cuts-lender-paid-yield-spread-premium/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2010/08/17/federal-reserve-cuts-lender-paid-yield-spread-premium/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 22:42:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[Home Loan Market]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Industry News]]></category>
		<category><![CDATA[yield spread premium]]></category>
		<category><![CDATA[YSP]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=133</guid>
		<description><![CDATA[The Federal Reserve was busy Monday eliminating commission opportunities for mortgage brokers across the nation. The Fed announced several new rules like banning YSP loan commissions in an effort to minimize abusive mortgage lending practices.  According to the Lead Planet, a mortgage marketing company in Southern California, the Fed actually said that mortgage lenders paying [...]]]></description>
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		<title>Home Purchase Loan Applications Fall</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2010/07/16/home-purchase-loan-applications-fall/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2010/07/16/home-purchase-loan-applications-fall/#comments</comments>
		<pubDate>Sat, 17 Jul 2010 00:21:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Loan Market]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Mortgage Industry News]]></category>
		<category><![CDATA[Mortgage Rate News]]></category>
		<category><![CDATA[Published Articles]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=122</guid>
		<description><![CDATA[The number of home loan applications in the U.S. for home purchases fell to a 13 1/2-year low last week, the Mortgage Bankers Association reported Wednesday, in a further sign of the slump in home buying since a federal tax credit concluded at the end of April.  There have been fears for months that the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Home Mortgage Rates Continue to Break Records</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2010/07/13/home-mortgage-rates-continue-to-break-records/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2010/07/13/home-mortgage-rates-continue-to-break-records/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 15:34:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Fannie Mae News]]></category>
		<category><![CDATA[Freddie Mac News]]></category>
		<category><![CDATA[Home Loan Market]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Home Mortgage Rates]]></category>
		<category><![CDATA[lowest mortgage rates]]></category>
		<category><![CDATA[thirty-year fixed-rate home loans]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=120</guid>
		<description><![CDATA[Who would have thought that home mortgage rates would continue to break record with declining rates across the board?  Of course this is great news for homeowners and perspective home buyers looking to leverage the lowest mortgage rates of the century. Fannie Mae&#8217;s current-coupon thirty-year fixed-rate home loans narrowed 0.03 percentage point to about 0.65 percentage [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Wells Fargo Announces Significant Job Cuts in Consumer Finance</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2010/07/08/wells-fargo-announces-significant-job-cuts-in-consumer-finance/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2010/07/08/wells-fargo-announces-significant-job-cuts-in-consumer-finance/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 14:02:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Foreclosure Crisis News]]></category>
		<category><![CDATA[Home Loan Market]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Mortgage Industry News]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[Subprime Home Loans]]></category>
		<category><![CDATA[Wells Fargo Home Mortgage]]></category>
		<category><![CDATA[non-prime mortgage lending]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=115</guid>
		<description><![CDATA[News indicated that Wells Fargo “had been struggling with delinquencies and loan defaults from their own bad credit home mortgages.” ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Refinancing Appealing But Tough to Qualify for</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2010/06/15/home-refinancing-appealing-but-tough-to-qualify-for/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2010/06/15/home-refinancing-appealing-but-tough-to-qualify-for/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 00:07:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Loan Market]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Home Mortgage Rates]]></category>
		<category><![CDATA[Home Refinance Articles]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[Mortgage Rate News]]></category>
		<category><![CDATA[Bryan Dornan]]></category>
		<category><![CDATA[no cost home loans]]></category>
		<category><![CDATA[no cost refinancing]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=107</guid>
		<description><![CDATA[Mortgage refinance rates have dropped almost two percentage points below their housing boom peak and they remain available at record lows.  Freddie Mac reported that mortgage rate average fell to the lowest point in 2010 4.72% plus 0.7 point for a fixed rate home loan on a thirty-year term.  Clearly this is a great time [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Declining Interest Rates Spur Mortgage Refinancing</title>
		<link>http://www.homeloanwholesale.com/blog/index.php/2010/05/14/declining-interest-rates-spur-mortgage-refinancing/</link>
		<comments>http://www.homeloanwholesale.com/blog/index.php/2010/05/14/declining-interest-rates-spur-mortgage-refinancing/#comments</comments>
		<pubDate>Fri, 14 May 2010 22:34:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Current Mortgage Rates]]></category>
		<category><![CDATA[Fannie Mae News]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Home Loan Market]]></category>
		<category><![CDATA[Home Loan News]]></category>
		<category><![CDATA[Home Mortgage Rates]]></category>
		<category><![CDATA[Mortgage Industry News]]></category>
		<category><![CDATA[Published Articles]]></category>
		<category><![CDATA[current mortgage interest rates]]></category>
		<category><![CDATA[refinance rates]]></category>

		<guid isPermaLink="false">http://www.homeloanwholesale.com/blog/?p=91</guid>
		<description><![CDATA[Freddie Mac announced today that the current mortgage interest rates are the lowest they have been in 2010. The Wall Street Journal reported that home builder stocks rallied in early trading follow a reported spike in mortgage loan applications last week as homeowners take advantage of some of the lowest home mortgage rates since March.  The [...]]]></description>
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